Apple Pay in Germany

Apple Pay was launched in Germany on December 11, 2018. In the United States, the contactless payment method uses the iPhone* and the apple watch* available since 2014. Now the payment service with NFC technology can also be used in Germany. Konto-Kredit-Vergleich.de shows which banks offer the payment service and how secure it is. All info!

Apple Pay: Which banks are included?

At the start of the service in Germany, 15 banks and credit card companies are supporting Apple's new payment system. These include the following credit institutions: Boon, Bunq, Comdirect, Deutsche Bank, Edenred, Fidor bank, Hanseatic Bank, HypoVereinsbank, N26,  O2 banking, VIMPay. For the time being, the service can only be used with credit cards and not with ec cards. Special feature for Deutsche Bank customers: Customers can apply for a free credit card directly via the app - without a Schufa query / entry. With the “mobile phone account” from o2 banking There is generally no Schufa query/entry when opening.

>> All information about the o2 banking account

ConsorsBank, ING & Co. are already in the starting blocks

The Apple service is constantly being expanded. 2019 will follow accordingly   Website Other banks from Apple: Consorsbank, Consors Finanz BNP Paribas, Crosscard, DKB, Fleetmoney, ING, Revolut, Sodexo, Viabuy.

Apple Pay: function and operation

The Apple Pay service is a contactless smartphone payment method, credit card and online payment system at the same time. This makes Apple Pay an alternative to:

  • Payment with credit card
  • Online payment services such as Paypal
  • Cash.

When making a payment, the credit card information is stored in the system wallet. For this it is absolutely necessary that the bank supports Apple Pay (Which banks support Apple Pay?). Of course, the whole thing (at least for now) only works with Apple's own products like iPhone* and the apple watch* (but also Mac*) . For online payments, Safari must currently be used. Other browsers are currently not supported. The restrictions may seem uncomfortable, but the manufacturer has full control of the system and can reliably take care of security.

When the service is set up for the first time by scanning the credit card, a 16-digit code is saved locally on the device. This so-called token is only used once and contains the data of the stored bank card in encrypted form. If you now pay with the app, your device sends the token to Apple, where it is compared with the credit card data. Apple does not store the details of the transaction and therefore cannot track what you have purchased. Likewise, your identity will not be passed on to the retailer. Exception: Use of customer or bonus cards when paying with Apple Pay. In this case, your identity will be revealed to the merchant so that they can take the bonus into account.
The anonymity of the customer is different from the Google Pay service, where by accepting the terms and conditions you authorize the evaluation of the purchases.

How secure is the mobile payment service?

By checking the token, the payment process is already relatively secure. But how is the digital wallet protected in the event of loss or theft? Each payment must be approved by fingerprint or the device's secure identification. Strangers can with your iPhone* so don't pay. In the apple watch* the payment is authorized by a double click on the side button. This would make misuse possible, but you type in a PIN anyway when you put on the watch.

After all, the payment service has been available in a few dozen countries around the world since 2014 and to date not a single case of abuse or fraud has become known

Apple Pay funktionier mit dem kontaktolsen NFC
Contactless payments with NFC technology.
Image source: pixabay.com. User: kalhh. Creative Commons License

How do I use the service and where is Apple Pay accepted?

As usual from Apple, it is used extremely easily. After configuring the app, you can pay at any contactless card device. These are now very widespread in Germany. Many shopping and supermarket chains such as Aldi, Edeka, Lidl, DM, Rossmann, real, Aral and Shell as well as numerous retailers are already using contactless payment terminals. To pay, call up the app and hold the device a few centimeters in front of the card device. Then you release the payment by face recognition or fingerprint. This is often quicker than paying cash. When shopping online, you can save yourself entering your contact, address and payment details. Choose Apple Pay instead. After a short confirmation by fingerprint or password, the order is already with the retailer.

Apple Pay: What alternatives are there?

In addition to Apple Pay, there are numerous other service providers for mobile payments. The most well-known are:

  • Google Pay
  • Garmin Pay
  • the Sparkasse payment app
  • boon

The Boon service is particularly interesting if your bank does not yet support other mobile payment services. Here you create a virtual prepaid credit card that supports Apple Pay and automatically debits money from your real credit card account if you wish.

If your bank does not play with Apple Pay, a second account is possible with the N26 opened quickly and easily.

*As an Amazon Associate, I earn from qualifying sales

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Apple Pay available in Germany: Which banks are included? Security & Features; All information at Konto-Kredit-Vergleich.de
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Apple Pay in Germany at Start.Konto-Kredit-Vergleich.de shows which banks offer the payment service and how secure it is. All info!
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